Ingham Cover – Mechanical Breakdown Insurance
Peace of Mind with Ingham Cover
At Ingham, we understand that owning a car is about more than just getting from A to B. Unexpected repairs can disrupt your plans and create unwanted expenses. That’s why we offer Ingham Cover Mechanical Breakdown Insurance – a trusted protection plan designed to keep you on the road with confidence.
Whether you’re driving a petrol, diesel or hybrid, Ingham Cover provides comprehensive protection against the cost of unforeseen mechanical and electrical failures.
What is Mechanical Breakdown Insurance (MBI)?
Mechanical Breakdown Insurance (MBI) covers the reasonable cost of repairing mechanical or electrical components that unexpectedly fail during normal use, unless excluded in the policy booklet.
Why Choose Ingham Cover?
- Trusted Kiwi-owned dealership group: Serving communities across Hamilton, Te Awamutu, Cambridge, Taupō, Tauranga, Auckland, Napier and beyond since 1960.
- Quality brands, quality service: Cover available for vehicles purchased from our wide range of global brands, including Mitsubishi, Hyundai, Kia, Suzuki, Nissan, Mazda, Toyota and more.
- Flexible protection: Options suited to both private buyers and business fleet clients.
- Convenience and support: Nationwide repair network, fast claims process and the backing of a dealership with decades of proven reputation and positive Google reviews.
Nationwide Service
Whether you’ve broken down on the top of a mountain or have a flat tyre on the motorway, our Roadside Assistance has you covered.*
24/7 Support
Accidents can happen at anytime night and day so we’re always here to take your call.
Coverage
Covers unexpected vehicle breakdowns, repairs, parts, labour, and towing.
Who Benefits from Ingham Cover?
- Private Buyers
Protect your investment in new and used cars with a plan that covers unexpected repair bills. Ingham Cover ensures you can enjoy every journey without worrying about mechanical surprises.
- Fleet & Business Clients
For businesses running multiple vehicles, downtime is costly. Ingham Cover offers peace of mind and predictable costs, helping keep your fleet on the road and your business moving.
- Vehicle Servicing Customers
Already trusting Ingham with your vehicle servicing, parts, and finance options? Extend that confidence with Mechanical Breakdown Insurance for complete, long-term protection.
Local Expertise, National Confidence
Unlike big corporate competitors, Ingham is 100% New Zealand-owned and family-operated. For more than 60 years, we’ve built strong relationships with local communities across the North Island. Our personalised service and relaxed buying experience set us apart.
With Ingham Cover, you’re not just buying insurance – you’re backed by a dealership group known for reliability, repeat customers, and long-standing trust.
Get Covered Today
Protect your vehicle and your budget with Ingham Cover Mechanical Breakdown Insurance. Whether you drive a compact hatchback, a family SUV, or an electric vehicle, we’ll help you find the right protection for your journey.
Book a consultation with your nearest Ingham dealership in Auckland, Hamilton, Te Awamutu, Cambridge, Taupō, Tauranga or Napier, and let’s keep you confidently covered on the road ahead.
Benefits include
- Comprehensive protection for petrol, diesel and hybrid vehicles. Up to $10,000 or the market value of your vehicle, depending on your vehicle*
- Keys & locks
- Emergency travel, accommodation & repairs
- Allowances for towing and car hire
- 7 day / 24 hour First Rescue Roadservice
See policy wording for full information
Ingham Cover vs Consumer Guarantees Act
Your Rights Under the Consumer Guarantees Act (CGA)
As a vehicle owner in New Zealand, you are protected by the Consumer Guarantees Act. This law provides a series of guarantees to ensure you can buy with confidence.
Below is a simplified overview highlighting the differences between the protection you receive under the Consumer Guarantees Act (CGA) and the additional cover provided by Ingham Cover Mechanical Breakdown Insurance (MBI).
| Risk to consumer | CGA response | MBI response |
| Wear and Tear | No cover (as long as vehicle is of acceptable quality) | Subject to Ingham Cover policy conditions |
| km limit | What a reasonable customer would expect, based on the considerations outlined above. | 160,000kms |
| Fault or failure | Conditions apply and may vary depending on the circumstances | Subject to Ingham Cover policy conditions |
| Fault diagnosis | Conditions apply and may vary depending on the circumstances | Motor repair specialists with expert fault diagnosis |
| Dispute Resolution | Disputes Tribunal or Court | Clear complaints process with free access to IFSO |
| Out of Town breakdown | Dependant on specific circumstances – discuss with dealer. | Free 24-hour helpline. Vehicle towing to an approved repairer when required. If breakdown occurs more than 100km from home, you may be entitled to support such as accommodation expenses, rental car, assistance with returning home. Subject to policy conditions. |
| Flat battery, Locked out of car, Lost keys, Flat Tyre, Out of Fuel | No cover. | Free 24 hour helpline and coverage by First Rescue |
| How do you know what your rights are? | Consumer websites and / or review the CGA | Plain English wording. Friendly claims service. |
| Commercial and business use | Coverage may vary depending on the type of vehicle and whether the CGA has been excluded from the agreement. | Certain business use covered, subject to policy conditions. |
Frequently Asked Questions – Ingham Cover
What does Ingham Cover Mechanical Breakdown Insurance include?
Ingham Cover protects you against the unexpected costs of mechanical and electrical failures. Depending on your policy, it can cover repairs, replacement parts and labour, as well as roadside assistance and nationwide repair network support. It’s designed to give New Zealand drivers confidence.
How do I make a claim?
Simply follow these steps:
What to Do if You Need Assistance
- Roadside Assistance: Call 0800 xxx XXXX.
- Other Assistance: Call us on 0800 479 227 or email inghamcover@inghamdriven.nz
Please have your policy number, vehicle registration, and current odometer reading ready.
Repairs and Authorised Repairers
- We’ll help you find your nearest Authorised Repairer (all repairs must be carried out by an Authorised Repairer).
- If your vehicle can be driven safely without further damage, take it directly to the repairer.
- If it cannot be driven safely, arrange to have it towed (towing may be covered under some policies).
- Present your policy to the repairer so they can confirm if the breakdown is covered, and ask them to contact us.
- You may be asked to complete a claim form and provide additional documentation (e.g. proof of servicing, relevant invoices).
Important Notes
- The contract for repair is between you and the repairer.
- Any costs not covered by your policy (including your excess) are payable directly to the repairer once repairs are completed.
- Repairs started without our prior approval will not be covered.
Why choose Ingham Cover over other providers?
Unlike generic insurance companies, Ingham is a 100% Kiwi, family-owned car dealership group that has been trusted by New Zealand drivers since 1960. With dealerships across Hamilton, Te Awamutu, Cambridge, Taupō, Tauranga, Auckland and Napier, Ingham combines local expertise with global brands. Customers choose us because of our reputation, Google reviews, and commitment to personalised service that some of our competitors can’t match.
Insurance terms and conditions apply. This is still in draft and doesnt take effect until January 2029